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BCRA Puts 30-Day Peso Deposit Average Near 25% as Smaller Banks Post 32–34%

Deregulation has widened the gap separating big‑bank rates from higher‑yield online offers.

PLazo fijo: esto se debe invertir para ganar $100.000 en 30 días.
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Overview

  • The BCRA’s February 20 listing shows major banks around 23–27% TNA for 30‑day deposits, including Banco Nación at 25% and Banco Macro at 27%.
  • Several smaller banks and financial firms advertise roughly 32–34% to non‑clients online, including Reba at 34%, CMF/VOII/Comercio at 33.5%, and BICA at 33%.
  • Electronic placements commonly pay more than in‑branch operations; Banco Nación offers 26% via homebanking versus about 21–21.5% at the counter.
  • At a 25% TNA, depositing $2,500,000 for 30 days yields about $51,370 in interest, with a total of roughly $2,551,370 at maturity.
  • Simulators show target‑income needs: about $10.53 million to earn $225,000 in a month at Nación’s 26% electronic rate, around $18.72 million for $400,000 at 25%, or roughly $14.12 million at 34%.